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Contact the lender and make up all the past due payments plus the repossession fees.

Answer:You can contact the lender, or you can contact the repossessing agency. If you contact the lender, they may allow you to make a payment arrangement. Your payments may be less or could be more than you believe you owe. When the lender contracted the repossession agency, there were fees involved. These fees will be transfered to you. The lender, however, is in most cases not as aware of the fees as they should be; they are focused on the principle and interest of the original contract. If you move quickly, the repo agency has not billed the lender for these repossession fees. If the repossession company acted in a less than legal manner, you may not have to pay these fees. The most common offense is for the repo agents to make contact after 9:00 PM; this is a violation of the FDCPA (Fair Debt Collections Practices Act). If the repo agency violated any of the provisions of the Act, contact the lender and demand your vehicle be returned or you will file suit in federal court and list them as a defendant. They are as liable as the agency they contracted with, and the vehicle will have been "wrongfully repossessed."

Keep in mind, the lender does not want the car; they only took the car to cover the past due amount. If they keep the car, you will still owe on the loan, and legal action is not far behind.

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Q: How can you get your car back after it has been repossessed?
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Related questions

What do You do after your car has been repossessed?

Buy a bus pass. Or get ahold of your lender and see what they want to get the car back.


Can you legally go and take your car back after it has been repossessed?

NO,thats Grand Theft.


Is it possible to get your car back after it has been repossessed for a second time?

Call the lender they will tell you.


Can you get your car back after it has been repossessed in the state of Iowa?

Yes, there are some instances that a person can get a repossessed car back in the state of Iowa. If the person pays all the money owed plus a repo fee, the car may be returned.


When a car is repossessed what do you do with the insurance?

When a car has been repossessed the person paying the insurance should cancel it.


What are the consequences for taking your car back from a dealer after it has been repossessed?

Without proper permission (in writing) to take your car after it's been repossessed, it is considered stealing. Anything from jail time to a hefty fine. If it's been repo'd, it's not yours anymore.


What do you do once your car has been repossessed?

I have a welding machine on the truck they repossessed can they keep that?


Can you get your vehicle back after it has been repossessed?

Yes, you can. Alot of times they will work with you. They don't want your car, just your money!:)


How soon can you buy a car after a car has been repossessed?

You can buy a car right after your car has been repossessed. It will however, depend on whether your credit is stable enough to qualify or if you have the cash to pay out of pocket.


Your car was repossessed how can you get your car back?

If your was repossed you need to call the car company and pay your car


What documents would you need after a repossession of a car in order to get it back?

To get your repossessed car back you may need proof of residency, insurance, and, other personal information to retrieve your repossessed vehicle back to you.


In Utah can your wages be garnished for a car that was repossessed?

You do not owe money for a car if it has been repossessed, so your wages can't be garnished for that reason.